Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: James Collum

Fast, reliable service

First time I’ve ever filed a claim since I’ve had this policy and I’ve had it for years. My little buddy has been having back issues lately, that comes with age. My claim was handled quickly and very pleased with the service I’ve received. Insurance is the one thing you don’t need, until you need it. If you own a pet, I recommend Embrace Pet Insurance.
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1

out of 5

POSTED: | BY: Jhordan Munn

Horrible experience

Horrible experience. This insurance company basically tries to find all the possible ways not to reimburse you. Make it very difficult to get reimbursed and asked for a lot of documents. I never was reimbursed for anything during our time together because I was constantly given reasons why I did not qualify. Even though I paid for services. Don’t waste your money. Do not recommend. 0/0.
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3

out of 5

POSTED: | BY: Kathryn Lovejoy

This experience began badly

This experience began badly, but eventually evened out. Perhaps I am unrealistic to think insurance people should display positive attitudes when dealing with customers who are under stress due to their pet's illness, but will try for balance regardless.
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1

out of 5

POSTED: | BY: TR

Nothing covered …

One year and none of the two pets charges covered by this insurance. Even when one had a broken nail and part of the toe removed.
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5

out of 5

POSTED: | BY: Michael Vining

Easy to navigate the claim.

Easy to navigate the claim.
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Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance detail
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.
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